英国是个高税的国家. 高工资 High Tax Payer 最多要交 40%的税, 一般情况下税前高个几K收入的增加也许税后的差别就只有几十英镑.，这就是我为什么坚持不要钱袋加班，8小时程序猿干完就回家，不想拼命；也不要钱袋跳槽的原因。再说你通过跳槽是无法达到阶级升级的，还不如综合考虑，安定团结的以家庭为本，什么阶级的人都有有自己的家人，这是确定无疑的。
同理我们在英国安静的做房客，安静的做一个房东的房客4年后直接升级为房东，拥有自己房子拍着坚实的砖墙，幸福感爆棚，插播一句：女人最需要房子。仙子这次从美国回来英国度假，她还是把自己在美国的20平方米不到的蜗居当自己的窝的，我们这个200平方的大房子，她认为是我的窝；同理我回上海，我把我妈妈的家当成我妈妈的窝的，我的窝在英国，在上海的每一天，我都夜夜梦回自己的英国窝。
“婚姻免税额” （Marriage allowance），是英国自2015年4月6日实施的一项政策：夫妻之间的一方如果自己一年的免税额度用不完，（You must be married or in a civil partnership – *living together doesn’t count）
可以将免税额度的10%转给自己的配偶，这部分收入所需交的税额20%可以退还给申请人，退税额。一般以支票形式返还。达到夫妻双方共同节税的目的。
具体来说，
2019/20 £12,500, 最多可以转让12500的10%额度，就是1250，（最多250英镑）
2018/2019 £11,850 ，最多可以转让11850的10%额度，就是1190，（最多238英镑）
2017/2018 £11,500 ，最多可以转让11500的10%额度，就是1150，（最多230英镑）
2016/17 £11,000 ，最多可以转让11000的10%额度，就是1100，（最多220英镑）
2015/16 £10,600 ，最多可以转让10600的10%额度，就是1060，（最多212英镑）
英国政府网站上有最新的详细说明，甚至还有自动计算公式。
英国政府的官方说明：https://www.gov.uk/marriage-allowance
英国政府的在线退税额计算页面： https://www.tax.service.gov.uk/marriage-allowance-application/benefit-calculator/
If you cannot claim online, you can telephone HMRC on 0300 200 3300 or write to them to make the claim.
在具体申请时，需要由收入低的一方递交申请。需要提供住址，出生日期，NI Number等信息。一旦申请成功，自“婚姻免税额”实施后的年份可以回溯申请税款，但2015年之前的年份就不可以回溯了。
那就赶快申请吧，毕竟每年有两百多英镑呐。
2020年4月5日之前去申请，可以追溯到2015/2016 ，5年下来1150英镑呢，但肉少也是肉，再说英国羊毛现在也没有什么可薅的了。
也
2015/16 - £212
2016/17 - £220
2017/18 - £230
2018/19 - £238
2019/20 - £250
2019/20 tax year: the personal allowance was £12,500, meaning £1,250 (rounded up) can be transferred (maximum £250 tax saving).
2018/19 tax year: the personal allowance was £11,850, meaning £1,190 (rounded up) can be transferred (maximum £238 tax saving).
2017/18 tax year: the personal allowance was £11,500, meaning £1,150 can be transferred (maximum £230 tax saving).
2016/17 tax year: the personal allowance was £11,000, meaning £1,100 can be transferred (maximum £220 tax saving).
2015/16 tax year: the personal allowance was £10,600, meaning £1,060 can be transferred (maximum £212 tax saving).
*Unemployed partners also qualify for the scheme.
Deadline
What are the time limits for claiming back tax?
You have four years from the end of the tax year in which the overpayment arose to claim a refund, as shown below. If a claim is not made within the time limit you will lose out on any refund that may be due and the tax year becomes 'closed' to claims.
Tax year 2015/16 (year ended 5 April 2016) – claim by 5 April 2020
Tax year 2016/17 (year ended 5 April 2017) – claim by 5 April 2021
Tax year 2017/18 (year ended 5 April 2018) – claim by 5 April 2022
Tax year 2018/19 (year ended 5 April 2019) – claim by 5 April 2023
我提交了
第一部分：
Are you married or in a civil partnership?yes
Were you and your partner born after 5 April 1935?yes
Do you live in Scotland?No
Is your income less than £12,500 a year?yes
This is your total earnings from all employment, pensions, benefits, trusts, rental income, including dividend income above your Dividend Allowance – before any tax and National Insurance is taken off.
Is your partner’s income between £12,501 and £50,000 a year?yes
This is their total earnings from all employment, pensions, benefits, trusts, rental income, including dividend income above their Dividend Allowance – before any tax and National Insurance is taken off.
Do you want to apply for Marriage Allowance?yes
第二部分，我的名字/我的生日/我的NI
第三部分，提交护照号，护照上名字，护照有效截止期
第四部分，钱袋的名字/性别/NI
第五部分，结婚日期
第六部分，可以提交今年2019（250），和2018（238），2017（230）/2016（220）/2015（212）
第七部分，总结，需要8周时间
Marriage Allowance
You are currently helping your partner benefit from Marriage Allowance.
Backdated payments can take up to 8 weeks to process.
Cancel Marriage Allowance
If you have divorced or ended your civil partnership, you can cancel Marriage Allowance online. If you are currently separated, you can still receive Marriage Allowance until you legally end your marriage or civil partnership.
You can also cancel to stop payments if you are still married or in a civil partnership, but no longer want to benefit from Marriage Allowance.
Cancel Marriage Allowance
Your Marriage Allowance claims
Tax year Status
2019 to Present Active
2018 to 2019 Applied for Marriage Allowance retrospectively
2017 to 2018 Applied for Marriage Allowance retrospectively
2016 to 2017 Applied for Marriage Allowance retrospectively
2015 to 2016 Applied for Marriage Allowance retrospectively
